Rewards Hub – new on
SC Mobile​

Cashback earned on your credit card is automatically applied to reduce your current outstanding balance. This results in a lower statement balance in your next credit card statement.

Please note that Cashback earned on your credit card does not count as a payment to your credit card.

If you have a surplus balance due to Cashback received, you may either:

1) spend on your credit card, to draw down the surplus balance, or
2) request for a Credit Balance Refund via Services in SC Mobile.

Interest earned on your deposit account(s) is not reflected as Cashback.

Your Cashback amount is calculated based on your order value excluding taxes, shipping fees, and any promo codes used at checkout. The Cashback you earn varies by merchants and may differ based on product categories or ongoing promotions and merchant’s Terms and Conditions.

Your Cashback amount might differ from what you expected due to the following reasons:

– Your calculation was based on the full amount, including GST or delivery fees, which are not eligible for cashback.

– Transactions with Partial payments made with store credits, points of the merchant loyalty programme, partial gift card/vouchers, that may disqualify the entire transaction from the programme or lower the eligible Cashback as it may only apply to the Order value less store credits, loyalty points or vouchers utilised.

– Transactions made utilising a discount code, that may have disqualified the entire transaction from the programme or lower the eligible Cashback as it may only apply to the order value less the discount value.

– Transactions made under split payments or a Buy Now Pay Later programme that may exclude your eligibility for cashback depending on the merchants Terms and Conditions Programme

If you believe the amount is incorrect, please reach out to our customer service team via SC Chat with your order details. Our team will be happy to assist you.

For eligible Cashback, it will show as “Pending” in your Rewards Hub within 72 hours of your transaction.

From “Pending” to confirmed cashback fulfilled to your account typically takes 30 to 120 days from the transaction date, depending on the merchant and the terms applicable to the transaction (such as fulfilment times, cancellation, return or refund periods etc). You will also receive a push notification when your Cashback is confirmed and credited.

Do note that some transactions may take a longer time to fulfill. For example, for travel, the Cashback transaction will only be processed by the merchant after the booking has been completed (i.e., you have completed your flight, hotel stay or car rental) even if the transaction has been made months in advance

If you still don’t see the Cashback on Rewards Hub after 120 days, the Cashback transaction may have been rejected for several reasons including transaction nature or your account status with SC.

Transaction nature:

– The transaction was made using vouchers or coupons that aren’t eligible for Cashback.

– The transaction was cancelled, changed or product was returned to merchant.

– The purchase was not completed using the merchant redirection link from SC Mobile Shop and Earn.

– Transaction was not made with an SC Credit or Debit Card.

SC account status:

– There is no valid debit/credit cards nor deposit accounts in good standing, thus the Cashback is taken to be forfeited

– No local currency account. Customer’s only deposit account is denominated in Foreign Currency and thus not eligible for Cashback.

The statuses of the Cashback are as follows:

Pending: Purchase was successful and is pending merchant to complete the order and approve the Cashback.

Rejected: Cashback was declined, as the purchase may have been:

– made using vouchers or coupons that aren’t eligible for Cashback.

– cancelled, changed or product was returned to merchant.

– not completed using the merchant redirection link from SC Mobile Shop and Earn.

– not made with an SC Credit or Debit Card.

You will  receive a push notification with the last 4 digits of your crediting SC account once the Cashback is confirmed and credited to your SC banking account. Please check in Cashback details section in Rewards Hub.

Your SC banking  account must be valid (i.e. not suspended, cancelled or terminated) and in good standing at the time of crediting of cashback.

Priority clients enjoy a higher Cashback rate for most merchant categories. Visit the SC Shop and Earn platform on Rewards Hub for more information.

To qualify as a Priority client, you must maintain Asset Under Management (AUM) with the Bank of at least S$200,000. Apart from preferential cashback rates on the Shop and Earn programme, you can also enjoy:

– Access to a dedicated Relationship Manager.

– Bespoke wealth solutions and expert advice from our Chief Investment Office, plus strategic market insights to achieve your goals.

– Priority access to our global retail network for all your financial and cross-border needs with our International Banking services.

– Enjoy priority exclusives such as preferential rates, access myRM on-the-go, myWealth Advisor, and more.

– Enjoy an array of exclusive and curated lifestyle benefits across Singapore and globally.

Visit https://www.sc.com/sg/priority/ for more information on how you can start a Priority Banking relationship with us.

For eligible Cashback, it will show up as “Pending” in your Rewards Hub within 72 hours of your transaction and you will receive a push notification to inform that the Cashback is tracked. The pending status indicates that the transaction is recorded but pending further validation and order fulfilment of your transaction (for example, order delivery and receipt in the case of retail purchases and/or completion of travel/stays in the case of travel related bookings).

From “Pending” to confirmed cashback fulfilled to your account typically takes 30 to 120 days from the transaction date, depending on the merchant and the terms applicable to the transaction (such as fulfilment times, cancellation, return or refund periods etc).  You will also receive a push notification when your Cashback is confirmed and credited.

Once approved by the merchant and the order is fulfilled, you will  receive a push notification with the last 4 digits of your crediting SC account once the Cashback is confirmed and credited to your SC banking account. Please check in Cashback details section in Rewards Hub.

Please refer to the merchant’s and Shop and Earn programme Terms and Conditions to ensure that the transaction is eligible for Cashback.

If you are a Priority Banking Client or a Priority Private Client , you will earn higher Cashback, if applicable. Please refer to individual merchant Cashback rates as it might differ for each merchant.

If you are a Priority Banking or Priority Private Client with Asset Under Management (AUM) with the Bank of at least S$200,000, you will enjoy higher Cashback, if applicable. Please refer to individual merchant Cashback rates as it might differ for each merchant. SC Shop and Earn programme Terms and Conditions apply.

Please refer to the merchant’s and Shop and Earn programme Terms and Conditions to ensure that the transaction is eligible for Cashback.